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Bankwest Credit Card Complimentary Insurance

1 December 2017

Learn how you and your family can get insurance for your next holiday with a Bankwest credit card.

Bankwest has a range of credit cards that offer complimentary international credit card travel insurance. This included benefit from Bankwest and Allianz Insurance is also extended to your family if they’re travelling with your on your trip and they meet the eligibility requirements. That means you can get cover for hospital and medical expenses, loss and theft of luggage and personal belongings, delayed travel plans, time off work due to injury and more at no extra cost.

Read more about Bankwest complimentary international credit card travel insurance and find out how to make a claim on this page.

You can also use Bankwest More Rewards points to pay for flights or purchase travel agent vouchers to get this complimentary international credit card travel insurance. Your spouse and children are also eligible for cover if they meet these eligibility requirements and are travelling with you for your entire journey.

How do I know if I’m covered and what I’m covered for?

Allianz provides cover for these expenses and events:

Hospital expenses and emergency surgery treatment

The cost of replacing lost or stolen personal belongings

Financial compensation if your travel plans are delayed

Reimbursement if you have to make alternate travel plans to get to a one-off event

Financial compensation if you’re injured overseas and can’t work when you get back home

Pre-existing medical conditions are not covered, but you can apply to add them to your policy. Bankwest Gold MasterCard customers get up to 3 consecutive months insurance, Platinum Mastercard customers get up to 6 consecutive months and World Mastercard customers get up to 12 consecutive months cover. When you meet the eligibility requirements, your cover will start from the date of departure that’s listed on your return travel ticket and ends when you get home or the cover period finishes.

How do I make a claim?

In Australia

Overseas

Call Allianz on 1800 785 918 within 30 days of returning to Australia.

Complete a written loss report.

Provide any necessary documentation to support your claim

Submit the written loss report to Allianz within 30 days.

Call Allianz Global Assistance on +61 7 3305 7499. Depending on your situation they will be able to advise the best course of action.

Allianz online claims

Allianz also has an online form that you can use to make a claim from anywhere in the world. Document requirements include:

Copies of credit card statements

Tax invoices for your travel itinerary

Receipts for item(s) being claimed against

Police reports

Certificates of insurance

You may also be required to submit other documentation depending on your claim. Aim to provide as much information as possible and follow any advice or requests from Allianz to ensure a smoother process.

Documents to have on hand

Allianz recommends you take a copy of the credit card product disclosure statement or insurance policy booklet with you when you travel. It’s also a good idea to keep electronic copies of your travel tickets and invoices too.

In the event of a claim, you’ll need to show proof of the pre-paid travel costs made on your Bankwest credit card, such as your credit card statement or travel ticket receipt. If you used Bankwest points to pay for your flights, you must provide the order confirmation number or dispatch order number from the travel agent.

Other document requirements vary depending on the type of claim you make. If you’re claiming for travel delays, for example, you may need to provide flight bookings or travel agent’s bookings. For stolen items, on the other hand, Allianz may request a copy of a police report relating to the incident.

What does excess mean?

Note: An excess in insurance is basically the amount you must pay towards any claim that you make.

What insurances am I covered under?

This table shows an overview of the benefits available through Bankwest’s complimentary international credit card travel insurance.

Medical and hospital

The Allianz emergency overseas medical benefit covers you for ambulance, hospital, dental, emergency surgery and evacuation costs if you become sick or get injured overseas. If you’re admitted to hospital as either an inpatient or an outpatient, you’re eligible for a bed care allowance to pay for any hospital extras.

Allianz can even pay to send a relative or guardian to escort you back to Australia if it’s deemed necessary. The insurer will assess your individual situation and may recommend you return to Australia for medical treatment. If you refuse this advice, you will have to pay for your medical bills abroad.

Loss and damage to personal belongings

Allianz gives you cover against damage and theft for the following types of personal belongings:

Clothing, bags, jewellery, toiletries: $5,550 per item

Portable electrical equipment / binoculars: $5,500 per item

Cameras: $5,500 per item

Laptop computers: $5,500 per item

Passports, travel documents, credit cards, cash and traveller’s cheques: $600 per item and $1,100 for a family

Emergency replacement of clothes: $600 per person and $1,200 for a family

To claim for emergency replacement of lost clothing, you’ll need to supply a written letter from the airline where your luggage was lost. You’ll also need to provide receipts for the purchase of your new clothes. If you can’t show proof of ownership for lost or stolen items, the most Allianz will pay is 10% of the cover limit.

Unexpected cancellation of travel arrangements

This benefit gives you cover if things out of your control send your travel plans into a spin. Natural disasters, political unrest and terrorism are some of the reasons flights and travel may be delayed. This benefit also provides compensation if your travelling companion becomes ill or dies.

Other benefits

Resumption of your trip following the death of a relative. This benefit covers the cost of returning to Australia and then back to your destination if a relative dies. To make a claim, you must have completed less than 25% of your journey.

Special event. If something happens on the way to a one-off event, this insurance provides compensation for the cost of arranging alternate travel plans.

Rental vehicle excess. Covers the cost of rental vehicle insurance excess if you have an accident.

Travel delay. For setbacks longer than six hours, Allianz will pay for food and accommodation while you wait for your flight.

Funeral expenses. Insurance to cover funeral expenses if you die on your trip.

Accidental death. A benefit paid in the event of your, your spouse or dependent child’s accident death overseas. This doesn’t cover you for death from illness or disease.

Legal liability. Money to pay for litigation if you’re legally liable for damage to another’s property or if you harm another person.

Loss of income. If you’re injured on holiday and you can’t work when you get back to Australia, this benefit provides you with a monthly allowance for up to 12 months.

Domestic pets boarding. You’re paid a benefit if you have to make different travel plans and you have to pay more to cater for a pet.

Assault requiring hospitalisation. Provides compensation if you’re hospitalised because of a violent assault.

Hijack and detention. A benefit that provides compensation i you’re hijacked while travelling in a public passenger vehicle.

Kidnap and ransom. Reimbursement for money extorted in the event of a kidnapping.

What’s not covered?

Some common events and situations where Allianz won’t pay a benefit include:

Sickness or injury as a result of an uncovered pre-existing medical condition.

Some pregnancy complications and mental illness such as dementia.

If you don’t take reasonable care of your belongings. For example leaving your bags unattended in a public place or in a motor vehicle on the street overnight.

Personal effects such as watches, iPads, laptops and mobile phones when the items are left in a car unattended are subject to benefit limits.

If you or your spouse or dependent(s) decide to cut your journey short for whatever reason.

Bookings made with unlicensed tour operators.

This international travel insurance policy has a number of exclusions. For example, some winter sports and popular adventure sports such as rock climbing are not covered by Allianz, so you may want to find the right level of cover for you. Contact Allianz on 1800 785 918 for information specific to this cover.

Learn more about HSBC's Platinum and Business Credit Cards complimentary comprehensive insurance package eligible for the following benefits of International Travel Insurance and Transit Accident Insurance

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114 Responses

RobSeptember 20, 2017

“Continuing your trip after the death of a relative”-does this cover the instance if one is required to change/bring forward ones flight and other arrangements for the death of a relative at the intended destination? i.e. I have not yet started my trip.

My wife is going on a short 4 day cruise. I intend paying for it on my Bankwest credit card which has complimentary travel insurance attached.
The card is in my name and she will be the one travelling.
My question is will she be covered?

Thanks for your inquiry. Please note that we are not affiliated with Bankwest or any company we feature on our site and so we can only offer you general advice.

Traveling via cruise is covered provided that you have paid for your travel tickets using your Bankwest card.

For Bankwest Platinum Mastercard cardholder, you will be covered if you:
Spend at least $500 of your prepaid travel costs (includes the cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.

Please contact Bankwest directly to confirm info and for further inquiries.

As stated in the PDS of the Bankwest complimentary travel insurance, the “spouse and dependents” should be travelling with the primary cardholder for the entire journey and meet all the other eligibility criteria stated above. Otherwise, you may not get the complimentary travel insurance cover.

I’m afraid she’ll not be covered if she’s not travelling with you on the same itinerary for the entire journey. This is one of the eligibility criteria for this complimentary travel insurance. For more information on this travel insurance, you can refer to the PDS I have sent to your email.

Does BankWest credit card travel insurance cover vehicle insurance excess in Australia?
Also if pay for accommodation at beginning of holiday will that activate travel insurance as Airfares were paid for by another person.

Unfortunately, the rental vehicle excess cover included in the Bankwest Credit Card Complimentary Insurance is only available for your trip overseas. You would also be eligible for the complimentary international travel insurance if you spend at least $500 of your prepaid travel expenses with an eligible Bankwest credit card and you meet all other criteria mentioned above.

Thank you for your question and for contacting finder.com.au – we financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

No, there is no age limit to be covered by Bankwest credit card complimentary travel insurance. Please note though that limits apply for pre-existing medical conditions.

Hello. Do I need to notify Bankwest of the dates I am travelling and where I am travelling to? If not, I assume that the insurance cover automatically commences from the date that I purchased the overseas flight ticket with my Bankwest Zero Platinum Mastercard. Could you please confirm. Thanks.

You’ll be automatically covered by the Bankwest credit card complimentary insurance once you meet the eligibility criteria outlined above in this page. When you meet the eligibility requirements, your cover will start from the date of departure that’s listed on your return travel ticket and ends when you return home or when the cover period finishes.

My husband and I have a platinum credit card each but he is the main cardholder for the account. I have booked a holiday and car hire using wife’s card. Will I still be covered for travel and excess car insurance as he isn’t travelling with me?

Sorry for the delayed reply. Just to confirm, you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually Bankwest.

According to the Bankwest PDS Complimentary Credit Card Travel Insurance, the insurance is available to “eligible cardholders” that include an “additional cardholder.”

So, if you are the ‘additional cardholder’ of your husband’s Bankwest credit card account and have purchased your ticket and prepaid travel costs for at least AU$500 using your Bankwest credit card (additional card) before leaving Australia, then you’re eligible for the international travel insurance including the rental vehicle excess cover – that is even if your husband is not travelling with you.

Please note that finder.com.au is a financial comparison and information service and is not a representative of Bankwest.

To be eligible for the International Travel Insurance Policy offered to Bankwest Gold or Platinum credit cardholders, you should buy the return travel tickets before you leave Australia and spend at least A$500 on prepaid travel costs using one or combination of the following methods:

• by charging to your eligible credit card account

• by redeeming your Bankwest More Rewards points (does not include any points redeemed for Frequent
Flyer programs)

• by paying using redeemable travel agency flight vouchers that can be obtained by converting your
Bankwest More Rewards points.

Hi, were about to book a 14 day cruise from Singapore and flights fro, Perth .does the free insurance cover cruises ? And is diverticulitis covered as medical or does it require more insurance as pre existing conditions?
If we add hotel in few days is it covered or does it all need to be paid for in one transaction ?

Please note that you have come through to finder.com.au, a comparison website, and not Bankwest.

We can confirm that traveling via cruise is covered provided that your travel tickets have been pre-paid using your card.
Unfortunately, diverticulitis is not listed from the covered medical conditions on Bankwest’s travel insurance policy. You may need call or speak directly to Allianz to verify.

If you are a Bankwest World MasterCard, Platinum MasterCard or Gold MasterCard cardholder, you will be covered if you:
Spend at least A$500 of your prepaid travel costs (includes cost of return overseas travel ticket and/ or airport departure taxes; and/ or prepaid overseas accommodation/ travel; and/ or prepaid overseas itinerary items) by one or a combination of the following methods.

To find out more about the insurance policy, please refer to the PDS I have sent in your email.

Disclaimer - Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd AFSL 342880. Please refer to our FSG - Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Tolstrup Financial Services Group Pty Ltd. ABN 51 586 953 292 AFSL 244436 for the provision of general insurance products. Please refer to our FSG - General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don't cover every product, provider or service available in the market so there may be other options available to you. We also don't recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2018.

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